NAATI CCL Hindi Finance & Banking Practice Dialogues — Worked Examples

Good morning. Welcome to Commonwealth Bank. How can I help you today?

ऑस्ट्रेलिया आया हूँ, अकाउंट खोलना है। स्टूडेंट वीज़ा। क्या चाहिए?

If you've arrived within the past six weeks, you only need your passport to open an account. After six weeks, you'll need additional identification. When did you arrive?

पिछले हफ़्ते। पासपोर्ट और वीज़ा कन्फ़र्मेशन है। सेविंग्स या ट्रांज़ैक्शन — कौन सा?

For students, I'd recommend both. A transaction account is for everyday purchases and ATM use, and a savings account is for putting money aside. The student account has no fees.

डेबिट कार्ड तुरंत?

We can give you a temporary debit card today. The permanent card arrives within seven business days. I'll also set up internet banking so you can manage your account online.

इस अकाउंट से विदेश पैसा भेज सकता हूँ? परिवार को।

Yes, you can make international transfers through internet banking. The fee varies by destination — usually fifteen to thirty dollars. Processing takes one to three business days.

ऑनलाइन बैंकिंग सुरक्षित?

It's protected by two-factor authentication, encryption, and fraud detection. Never share your password or click links in emails claiming to be from the bank.

शुक्रिया। दोनों अकाउंट खोलना चाहता हूँ。

Good morning. You've applied for a six-hundred-thousand-dollar home loan. Let's go through the details.

शुक्रिया। फ़र्स्ट होम। पाँच साल डिपॉज़िट सेव किया。

How much deposit have you saved? The ratio to the purchase price is important. If it's more than twenty per cent, you won't need lenders mortgage insurance.

बारह लाख। प्राइस सात लाख पचास — सोलह प्रतिशत। (Note: using 'lakh' loosely for the Australian dollar context)

At sixteen per cent deposit, you'll need lenders mortgage insurance — LMI. It's usually ten to twenty thousand dollars but can be added to the loan amount.

गवर्नमेंट स्कीम?

The First Home Buyer Guarantee lets you buy with just five per cent deposit and no LMI. Places are limited and allocated on a first-come basis each financial year.

इंटरेस्ट रेट — फ़िक्स्ड या वेरिएबल?

A fixed rate gives certainty for one to five years but limits extra repayments. A variable rate changes with the market but offers more flexibility, like an offset account.

मंथली रिपेमेंट?

For six hundred thousand over thirty years at six point five per cent, monthly repayments are approximately three thousand eight hundred. I'd also recommend building an emergency buffer.

अप्रूव होने की संभावना?

Thank you for coming in. You've reported unauthorised transactions on your credit card.

स्टेटमेंट में पाँच अनजान ट्रांज़ैक्शन। सब विदेशी ऑनलाइन, कुल तेईस सौ。

We've already frozen the card and will issue a new one. We'll launch an investigation into the unauthorised transactions — a provisional refund is usually made within thirty days.

तीस दिन लंबा। इस बीच पे करना होगा?

No, you're not required to pay the disputed amount. No interest will accrue during the investigation either. Just continue making your normal card payments.

कार्ड इन्फ़ो कैसे चोरी?

Common methods include phishing — fake emails or websites — skimming devices on ATMs or card readers, and data breaches. Have you recently clicked on any suspicious emails or links?

पिछले हफ़्ते बैंक का ईमेल समझकर लिंक क्लिक। कार्ड नंबर एंटर किया。

That was a phishing scam. The bank never asks for your card number by email. Always check the sender's address carefully, and never click links in suspicious emails.

और प्रोटेक्शन?

Set up a credit alert so you're notified if anyone opens a new account in your name. You can also check your credit report for free once a year through Equifax.

सब करूँगा। फ़्रॉड में फँसना शर्मनाक, लेकिन सीखा。

Welcome. Let's work through your tax return for this financial year together. Have you brought the necessary documents?

हाँ — पे समरी, बैंक इंटरेस्ट, वर्क एक्सपेंस रसीद。

Let's start by confirming your income. Do you have any income besides your main employment — such as a side job or sharing economy income?

वीकेंड Uber ड्राइवर। थोड़ा शेयर डिविडेंड भी।

Both need to be declared. For Uber, you can claim deductions for car maintenance, petrol, insurance, and a portion of your mobile phone costs. Have you been keeping a log of your kilometres?

ऐप में रिकॉर्ड। इंश्योरेंस रसीद भी。

Excellent. Let's also check the expenses from your main job. Do you work from home? If so, you can claim part of your electricity, internet, and office supplies.

हफ़्ते दो दिन WFH। कैसे कैलकुलेट?

For working from home there's a fixed-rate method — sixty-seven cents per hour. You only need to record the number of hours worked from home. Over a year it adds up to a considerable deduction.

HECS पर असर?

Yes, once your taxable income exceeds a certain threshold, HECS repayments are triggered. This is calculated on your total income including Uber earnings. At your income level, the repayment rate is around four per cent.

सब कैलकुलेट करके रिफ़ंड बताएँ。

Good morning. You're enquiring about rolling over superannuation from your previous employer. Can I have your account number?

बारह तीन चार पाँच छह सात आठ। जॉब बदली, दो सुपर। एक में मर्ज。

Having multiple super accounts means paying duplicate fees, which eats into your balance. Consolidating is a smart decision. Do you know the fund name and number for the old account?

पुरानी कंपनी का नाम पता, फ़ंड नहीं।

You can search for 'lost super' through your myGov account. The ATO keeps records of all super accounts. With your TFN, it will show everything.

मर्ज से पहले चेक?

Yes, a few important things. Check whether the old fund has any insurance attached — consolidating could cancel that insurance. Also compare fees and investment performance to decide which fund to keep.

इंश्योरेंस है — कैसे पता?

Check the latest annual statement from the old fund, or call them directly. Many funds automatically combine when there's only one employer contributing.

अच्छी जानकारी। पहले चेक, फिर मर्ज。

One more thing — consider your investment options. If you're young, a growth option suits you. If you're closer to retirement, a balanced or conservative option is more appropriate. What option are you currently on?

पता नहीं, कभी चेक नहीं किया। घर जाकर दोनों फ़ंड देखता हूँ।

Welcome. This is a free and confidential service. Can you tell me about your financial situation?

चार क्रेडिट कार्ड, दो पर्सनल लोन, BNPL। कुल साठ हज़ार से ज़्यादा। मिनिमम भी नहीं भर पा रहा。

First of all, don't panic. There are solutions. Let's organise all your debts and prioritise them. Essentials like rent and utilities come first.

कलेक्शन कॉल रोज़। डर से फ़ोन नहीं उठाता。

Debt collectors are restricted by law. Threatening behaviour, excessive contact, and contacting your workplace are all illegal. I can negotiate with your creditors on your behalf and set up a payment plan.

बैंकरप्ट होना ही विकल्प सोचा।

Bankruptcy is a last resort. Let's explore other options first — a debt agreement, negotiating reduced payments, or freezing interest. In many cases, creditors will agree to settle for less than the full amount.

BNPL भी?

Yes, buy-now-pay-later debts can be negotiated the same way as other debts. Many providers have hardship programs that allow you to pause or reduce payments.

क्रेडिट स्कोर?

Late payments have already affected your credit score. But sticking to a repayment plan for twelve months will show improvement. We can also negotiate lower interest rates with your creditors.

अगले हफ़्ते सभी क़र्ज़ डिटेल लाता हूँ। पहली बार लगा कि हल हो सकता है。

You'd like to send money overseas. How much and to which country?

फ़िलीपींस परिवार को पाँच हज़ार। जल्दी पहुँचना चाहिए।

There are several options. A bank transfer takes two to three business days and the fee is twenty-two dollars. Services like Western Union deliver within minutes, but the exchange rate margin is larger. Let's compare.

छुपी फ़ीस? पहले दूसरे सर्विस में शो और एक्चुअल अलग था。

The exchange rate margin can be a hidden cost. Before sending, always confirm how much the recipient will actually receive after all fees and conversion are applied.

बैंक अकाउंट या कैश?

Both are possible. A bank transfer is cheapest and most secure. Cash pickup costs more but is faster — usually available within hours. Which does your family prefer?

रेगुलर भेजूँ तो डिस्काउंट?

Setting up regular transfers may qualify for a reduced fee. There's also an option to send automatically when the exchange rate is favourable. I'd recommend setting up a monthly transfer.

रेमिटेंस फ़्रॉड? सेफ़ कैसे?

Always use licensed remittance providers. Never send money to strangers. Only use banks or authorised transfer services. If an offer seems too good to be true, it's likely a scam.

शुक्रिया। आज बैंक ट्रांसफ़र करना चाहता हूँ。